For many San Diego Families, our number one dream is owning your own home. We are here to help you reach your goals for Home Ownership.

Whether you want to purchase your first home, a larger home, or refinance your current mortgage, we are here to help.

We offer FHA, VA, USDA, Conventional, Jumbo, Fannie Mae and Freddie Mac home loans – we offer many options to help you get the keys to your very own home. VanDyk Mortgage is a Direct Lender offering FHA Loans and VA Loans direct to you. VanDyk Mortgage is approved by HUD with Full Eagle Direct Endorsement status, the highest level of HUD Approval for a Lender.

We have been helping families with Home Loans since 1987.

The first step in the Home Purchase process is to get started on your Loan Approval Process with one of our Government Home Loan Professionals. This process will give you the confidence of a cash buyer. We will help you determine what you can comfortably afford. In a short time, you will be on your way to making your first offer on the home of your dreams.

Our Government Loan Pro’s will work with you direct to qualify you for the mortgage loan that best meets your needs. We prefer to offer a more personalized approach with our clients. Our goal is to create a smooth, stress-free loan process for you. Our Team members will help you determine the right loan program, how much you can afford, help you get Approved, and keep in contact throughout the process.

If you currently own a home and would like to explore a refinance to reduce your interest rate, or get cash out, you’re at the right place. There are many loan programs that may be able to help. We will help you find the right one, whether it’s VA, FHA, Jumbo, or Conventional. You can reduce your interest rate, pay down your loan balance quicker, consolidate debts, or get cash to use toward a dream vacation, home improvement, college tuition.

Veterans – Own your own home! We can help. Call the Government Loan Pros at VanDyk Mortgage 760-752-4480 direct.

Contact us today for help with any questions you may have or to get started.

The 2015 San Diego County VA loan limit will be $562,350. This is an increase from the 2014 San Diego VA Loan Limit of $546,250. The High Balance VA Loan Limit applies to all San Diego VA Home Loans that exceed $417,000 up to the full $562,350 San Diego County Loan Limit for 2015. These are also called VA Jumbo Loans.

VA Loans are available with zero down payment for home purchase, and up to 100% loan to value for VA Refinances for qualified Veterans. VA Loans and VA Jumbo/High Balance Loans are available as soon as 2 years after Bankruptcy, 2 years after a foreclosure, and 2 yrs after Short Sales (sooner if the loan was not a VA Loan and had no late payments prior to the sale).

Call the Loan Pro’s at Vandyk Mortgage – 866-900-2342 toll free direct, or 760-752-4480 local direct. Or simply apply via the link at the upper right.

We are a Privately held Direct Lender offering a full suite of Purchase Loan options: VA, VA Jumbo, VA High Balance, VA, VA High Balance, VA Jumbo, Conventional, Jumbo, VA High Balance, Single Family, Condo, and 2-4 unit.

Here are the San Diego VA Loan Limits and VA Minimum Down Payment requirements for 2015 for qualified Veterans and Active Duty Military Personnel.

VA Loan Limits and Down payments for San Diego - 2015

Purchase Price

San Diego VA Loan Amount

Down Payment - minimum

Down Payment %

$562,350

$562,350

ZERO

ZERO

$600,000

$562,350

$9412

1.569%

$750,000

$562,350

$46,913

6.255%

$1,000,000

$562,350

$109,413

10.941%

$1,250,000

$562,350

$171,913

13.753%

$1,500,000

$562,350

$234,413

15.628%

These examples do not include the VA Funding Fee in the Loan Amount. This amount will vary depending on whether this is a first time use of your VA Home Loan Benefit, a subsequent use, if your service was regular or reserve/guard, and/ or if you have a VA Disability Rating (in which case the VA Funding Fee is waived).

We offer VA Loans up to $1.5M loan amounts when accompanied by an appropriate down payment to meet the VA minimum guaranty requirements. San Diego Veterans are not limited to the San Diego County Loan Limit of $562,350, we offer VA Loans up to $1.5M loan amounts.

VA Loans that exceed the VA County Loan Limit of $562,350 for San Diego County are also known as VA Jumbo Loans, VA High Balance Loans, and VA Super Conforming Loans.

Call today to get started with the VA Loan Pro’s at VanDyk Mortgage – 866-900-2342 toll free direct, or 760-752-4480 local direct. or get started online here

Here are the Coronado VA Loan Limits and VA Minimum Down Payment requirements for 2015 for qualified Veterans and Active Duty Military Personnel.

VA Loan Limits and Down payments for Coronado - 2015

Purchase Price

Coronado VA Loan Amount

Down Payment - minimum

Down Payment %

$562,350

$562,350

ZERO

ZERO

$600,000

$562,350

$9412

1.569%

$750,000

$562,350

$46,913

6.255%

$1,000,000

$562,350

$109,413

10.941%

$1,250,000

$562,350

$171,913

13.753%

$1,500,000

$562,350

$234,413

15.628%

These examples do not include the VA Funding Fee in the Loan Amount. This amount will vary depending on whether this is a first time use of your VA Home Loan Benefit, a subsequent use, if your service was regular or reserve/guard, and/ or if you have a VA Disability Rating (in which case the VA Funding Fee is waived).

We offer VA Loans up to $1.5M loan amounts when accompanied by an appropriate down payment to meet the VA minimum guaranty requirements. Coronado Veterans are not limited to the San Diego County Loan Limit of $562,350, we offer VA Loans up to $1.5M loan amounts.

VA Loans that exceed the VA County Loan Limit of $562,350 for Coronado are also known as VA Jumbo Loans, VA High Balance Loans, and VA Super Conforming Loans.

Call today to get started with the VA Loan Pro’s at VanDyk Mortgage – 866-900-2342 toll free direct, or 760-752-4480 local direct. or get started online here

Here are the 92101 San Diego VA Condo Loan Limits and VA Minimum Down Payment requirements for 2015 for qualified Veterans and Active Duty Military Personnel. These apply to all qualified Veterans and Active Duty Military when purchasing a VA Approved Condo in teh 92101 Zip code – Downtown San Diego, CA. Click here to visit our list of 92101 VA Approved Condominiums

VA Loan Limits and Down payments for San Diego - 2015

Purchase Price

San Diego VA Loan Amount

Down Payment - minimum

Down Payment %

$562,350

$562,350

ZERO

ZERO

$600,000

$562,350

$9412

1.569%

$750,000

$562,350

$46,913

6.255%

$1,000,000

$562,350

$109,413

10.941%

$1,250,000

$562,350

$171,913

13.753%

$1,500,000

$562,350

$234,413

15.628%

These examples do not include the VA Funding Fee in the Loan Amount. This amount will vary depending on whether this is a first time use of your VA Home Loan Benefit, a subsequent use, if your service was regular or reserve/guard, and/ or if you have a VA Disability Rating (in which case the VA Funding Fee is waived).

We offer VA Loans up to $1.5M loan amounts when accompanied by an appropriate down payment to meet the VA minimum guaranty requirements. San Diego Veterans are not limited to the San Diego County Loan Limit of $562,350, we offer VA Loans up to $1.5M loan amounts when there is an appropriate down payment.

VA Loans that exceed the VA County Loan Limit of $562,350 for San Diego County are also known as VA Jumbo Loans, VA High Balance Loans, and VA Super Conforming Loans. We offer all these options for 92101 VA Condo Loans and VA Jumbo Condo Loans.

Call today to get started with the VA Loan Pro’s at VanDyk Mortgage – 866-900-2342 toll free direct, or 760-752-4480 local direct. or get started online here

We are often asked if a particular condo is Approved for VA Financing. The VA Condo Approval List can be a little cryptic, so we put together a handful of VA Approved condo’s in Downtown San Diego (92101 zip) for easy reference. Please give us a call if you don’t see the HOA/ Condo you are looking for, we will be glad to research further for you. We have listed 37 92101 VA Approved Condo HOA’s below.

92101 Downtown San Diego Neighborhoods:

Columbia:

Bayview Homestead

Electra

Sapphire Tower

Treo

Cortex Hill

Aloft

Aria

Cortez Blu

Solara Lofts

Discovery

East Village

Diamond Terrace

Fahrenheit

Icon

Lofts @ 777

M2i

Metrome

Park Blvd East

Park Blvd West

Park Lofts (aka Parkloft)

Park Terrace

Smart Corner

The Legend

The Lofts 6th Ave

The Mark

Union Square

777 Lofts

Little Italy

Aperture

Bella Vita

Breeza

La Vita

Palermo

Portico

Marina District

Altria

City Front Terrace

Columbia Place

Marina Park

Meridian

Park Row

Qualified San Diego Veterans and Active Duty Military personnel can purchase a VA Approved Condo up to $562,350 with zero money down. The VA loan limit for 2015 is $563,350 for San Diego, however we offer VA Loans for higher purchase prices. These require a down payment of 25% of the purchase amount that exceeds the San Diego VA County Loan Limit of $562,350. An example would be if you wanted to purchase a Park Loft with a purchase price of $962,350 (odd number for illustrative purposes) the minimum down payment would be $100k. This is 25% of the amount over the county limit.

USDA Rural Development Loans – a 100% financing Option for Home buyers in Ramona CA

Ramona Home Buyers still have access in many areas to a little known US Government Loan Program that offers 100% financing for the purchase of a Home in a USDA RD eligible areas. Ramona USDA Eligible areas have been designated as “Rural” due to population density. Strangely enough, only non-farm residences can qualify, however single family homes and condos can qualify. The program is designed to help develop home buying options in less densely populated areas that may be underserved by mainstram home loans. There are many areas in Ramona, CA that qualify for the USDA Rural Development Zero Down Payment Home Loan Program. (see the pics below for maps)

With the USDA Rural Development Home Loan program, USDA eligible Ramona borrowers are not required to make a down payment. and the monthly Mortgage Insurance is at a .50 annual rate, much lower than MIP on FHA Loans and PMI on conventional loans.

On a $250,000 USDA backed home purchase, there are two areas that you save: First, There is no down payment requirement, so you will save $8,750 versus an FHA Loan, with the required FHA down payment of 3.5%. Second, Since the MIP rate is much lower, you will save $67.59/month in MIP (Mortgage Insurance Premium). The combination of these two savings make this program a very attractive for first time home buyers, as you can qualify for more home with the same payment and income.

There are three primary pre-requisites to qualify for the USDA Rural Development Home Loan:

1. Borrowers must qualify under the maximum household income cap

2. The home must be located in a USDA eligible region/address

3. All borrowers must have minimum 620 Credit Score

1 Borrowers must not exceed the annual household income requirement For example. a family of 1-4 must not exceed a household income greater than $95,000 annually in San Diego County for Ramona families of 1-4 people in the household. Families with 5-8 people can earn as much as 125,400 and still qualify! We recommend a quick 5 minute phone call to discuss your ‘total household income’ under USDA guidelines. Contact Brian Skaar at 866-900-2342 toll free direct.

2 Borrowers must purchase a home in a USDA-RD approved region/address. You can search by map or address. Below is a link where you can by-pass the map and type in the physical address to get instant verification – Verify a USDA eligible address. I always recommend that my clients work with a Real estate agent that understands the USDA Rural Development Program. From helping you find and locate a USDA RD eligible home, to understanding the funding and closing process, it is key that your agent understand this program.

3 USDA Credit Score Guidelines. The USDA program is about as “flexible” as any loan program available today. In some cases, borrowers may even qualify with collections, or a recent bankruptcy just 2 years out from discharge. We do require a 620 minimum score now, however these details change. call for updates.

We offer a Free No Obligation Mortgage Credit Analysis. This will give you a game plan for establishing sufficient credit to qualify and detailing the home buying process.

To get started, please give us a call at 866-900-2342 toll free direct, ask for Brian Skaar. VanDyk Mortgage is a USDA Direct Lender and your source for all Government Home Loans. We have been making Government Loans since 1987.

USDA Rural Development Loans – a 100% financing Option for Home buyers in Fallbrook CA

Fallbrook Home Buyers still have access in many areas to a little known US Government Loan Program that offers 100% financing for the purchase of a Home in a USDA RD eligible areas. Fallbrook USDA Eligible areas have been designated as “Rural” due to population density. Strangely enough, only non-farm residences can qualify, however single family homes and condos can qualify. The program is designed to help develop home buying options in less densely populated areas that may be underserved by mainstram home loans. There are many areas in Fallbrook, CA that qualify for the USDA Rural Development Zero Down Payment Home Loan Program. (see the pics below for maps)

With the USDA Rural Development Home Loan program, USDA eligible Fallbrook borrowers are not required to make a down payment. and the monthly Mortgage Insurance is at a .50 annual rate, much lower than MIP on FHA Loans and PMI on conventional loans.

On a $250,000 USDA backed home purchase, there are two areas that you save: First, There is no down payment requirement, so you will save $8,750 versus an FHA Loan, with the required FHA down payment of 3.5%. Second, Since the MIP rate is much lower, you will save $67.59/month in MIP (Mortgage Insurance Premium). The combination of these two savings make this program a very attractive for first time home buyers, as you can qualify for more home with the same payment and income.

There are three primary pre-requisites to qualify for the USDA Rural Development Home Loan:

1. Borrowers must qualify under the maximum household income cap

2. The home must be located in a USDA eligible region/address

3. All borrowers must have minimum 620 Credit Score

1 Borrowers must not exceed the annual household income requirement For example. a family of 1-4 must not exceed a household income greater than $95,000 annually in San Diego County for Fallbrook families of 1-4 people in the household. Families with 5-8 people can earn as much as 125,400 and still qualify! We recommend a quick 5 minute phone call to discuss your ‘total household income’ under USDA guidelines. Contact Brian Skaar at 866-900-2342 toll free direct.

2 Borrowers must purchase a home in a USDA-RD approved region/address. You can search by map or address. Below is a link where you can by-pass the map and type in the physical address to get instant verification – Verify a USDA eligible address. I always recommend that my clients work with a Real estate agent that understands the USDA Rural Development Program. From helping you find and locate a USDA RD eligible home, to understanding the funding and closing process, it is key that your agent understand this program.

3 USDA Credit Score Guidelines. The USDA program is about as “flexible” as any loan program available today. In some cases, borrowers may even qualify with collections, or a recent bankruptcy just 2 years out from discharge. We do require a 620 minimum score now, however these details change. call for updates.

We offer a Free No Obligation Mortgage Credit Analysis. This will give you a game plan for establishing sufficient credit to qualify and detailing the home buying process.

To get started, please give us a call at 866-900-2342 toll free direct, ask for Brian Skaar. VanDyk Mortgage is a USDA Direct Lender and your source for all Government Home Loans. We have been making Government Loans since 1987.

The 2015 San Diego County FHA loan limit will be $562,350. This is an increase from the 2014 San Diego limit of $546,250. The High Balance FHA Loan Limit applies to all San Diego FHA Home Loans that exceed $417,000 up to the full $562,350 San Diego County Loan Limit for 2015. These are also called FHA Jumbo Loans.

FHA Loans are available with as little as 3.5% down payment for home purchase, and up to 97.75% loan to value for FHA Refinances. FHA Loans and FHA Jumbo/High Balance Loans are available as soon as 2 years after Bankruptcy, 3 years after a foreclosure, and 3 yrs after Short Sales (sooner if the Short Sale is part of a job relocation/transfer or change in family size/household size and there were no lates on the Mortgage previous to the sale).

Call the Loan Pro’s at Vandyk Mortgage – 866-900-2342 toll free direct, or 760-752-4480 local direct. Or simply apply via the link at the upper right.

We are a Privately held Direct Lender offering a full suite of Purchase Loan options: VA, VA Jumbo, VA High Balance, FHA, FHA High Balance, FHA Jumbo, Conventional, Jumbo, FHA High Balance, Single Family, Condo, and 2-4 unit.

The 2015 San Diego County conforming loan limit (aka high balance loan limit) will be $562,350. This is an increase from the 2014 San Diego limit of $546,250. The High Balance Conforming Loan Limit applies to all Fannie Mae (FNMA) and Freddie Mac Home Loans that exceed $417,000 up to the full $562,350 San Diego County Loan Limit for 2015.

These are available with as little as 10% down payment. For a $624,833 home purchase in San Diego, the 10% down payment would be $62,483, with would result in a new Loan of $562,350. There are other options to use this Conforming Loan to exceed this amount. We also offer piggyback seconds that would allow you to pair a $562,350 first mortgage with a new second lien, with just 10% down required. An example would be for a $800K San Diego home purchase with 10% down ($80k down), the new first mortgage would be at $562,350, and the new second mortgage would make up the remainder up to 90% LTV with a $157,650 balance.

Call the Loan Pro’s at Vandyk Mortgage – 866-900-2342 toll free direct, or 760-752-4480 local direct. Or simply apply via the link at the upper right.

We are a Privately held Direct Lender offering a full suite of Purchase Loan options: VA, VA Jumbo, VA High Balance, FHA, FHA High Balance, FHA Jumbo, Conventional, Jumbo, Conforming High Balance, Single Family, Condo, and 2-4 unit.

Smart Buyer Advantage:

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Thank you for contacting us, we will be in touch within 48 hours. If you have any other specific questions or details you would like to let us know about, please email us direct at bskaar@vandykmortgage.com. Have a great day, we look forward to helping you!

Licensing and Disclosures

California Residential Mortgage Lender registered by the Department of Corporations

Georgia Residential Mortgage Licensee #39449

VanDyk Mortgage is a private company specializing in VA & FHA financing, VanDyk Mortgage Corp is not a government agency.

NMLS ID: 3035 - VanDyk Mortgage Corp

NMLS ID 220268 Brian Skaar Loan Originator

NY Disclosure: Website authorization has not been approved by the New York State Department of Financial Services. Until this website is authorized, no mortgage loan applications for properties located in New York will be accepted through this site.